| Metric | West Union Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | -1.1% | +4.0% | -5.1 pts |
| Loan growth (YoY) | +11.1% | +5.6% | +5.6 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 15.8% | 11.9% | +4.0 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $300.3M | $263.7M | $153.5M | $19.9M | $1.5M | 1.03% | 3.62% | 0.07% |
| Q1 2026 | $303.3M | $275.1M | $145.8M | $19.7M | $792K | 1.05% | 3.55% | 0.46% |
| Q4 2025 | $300.8M | $271.4M | $145.2M | $19.1M | $2.9M | 0.98% | 3.37% | 0.06% |
| Q3 2025 | $295.8M | $268.5M | $136.8M | $18.5M | $2.3M | 1.06% | 3.36% | 0.06% |
| Q2 2025 | $289.3M | $266.8M | $138.1M | $14.8M | $1.6M | 1.14% | 3.35% | 0.04% |
| Q1 2025 | $298.3M | $274.9M | $131.7M | $14.8M | $661K | 0.93% | 3.25% | 0.06% |
| Q4 2024 | $271.4M | $246.2M | $132.8M | $13.3M | $1.5M | 0.56% | 3.36% | 0.04% |
| Q3 2024 | $271.0M | $238.2M | $128.6M | $16.6M | $1.1M | 0.56% | 3.33% | 0.05% |
Loan mix (Q2 2026): real estate $94.7M · commercial $11.8M · consumer $35.2M · securities $128.7M
| Ratio | West Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 11.9% | 72nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 62.9% | 38th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | West Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | West Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | West Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | West Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | West Union Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 3 counties across 1 state (+0 vs 2024) · $266.8M branch deposits. Biggest market: Doddridge, WV, ranked 2nd with 43.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Doddridge, WV | 1 | $112.6M | 43.77% | 2nd |
| Ritchie, WV | 2 | $86.9M | 38.85% | 1st |
| Harrison, WV | 2 | $67.3M | 2.80% | 10th |
West Virginia: 34th with 0.52% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5